[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sapcon.cz\/uver-na-bydleni\/#Article","mainEntityOfPage":"https:\/\/www.sapcon.cz\/uver-na-bydleni\/","headline":"\u00dav\u011br na bydlen\u00ed","name":"\u00dav\u011br na bydlen\u00ed","description":"Jist\u011b jste se u\u017e setkali s t\u00edm, \u017ee jste pot\u0159ebovali v\u011bt\u0161\u00ed obnos financ\u00ed na rekonstrukci dom\u00e1cnosti nebo vybaven\u00ed. V n\u011bkter\u00fdch p\u0159\u00edpadech si vybavujeme byt a\u017e po svatb\u011b, jindy je\u0161t\u011b p\u0159ed svatbou. V dne\u0161n\u00ed dob\u011b je zcela b\u011b\u017en\u00e9, \u017ee spolu lid\u00e9 nejprve \u017eij\u00ed a a\u017e pozd\u011bji \u0159e\u0161\u00ed jin\u00e9 v\u011bci. Proto pot\u0159ebuj\u00ed pen\u00edze hned od sam\u00e9ho po\u010d\u00e1tku. […]","datePublished":"2019-02-23","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.sapcon.cz\/author\/#Person","name":"","url":"https:\/\/www.sapcon.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sapcon.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sapcon.cz\/wp-content\/uploads\/img_a338006_w1709_t1550834842.jpg","url":"https:\/\/www.sapcon.cz\/wp-content\/uploads\/img_a338006_w1709_t1550834842.jpg","height":0,"width":0},"url":"https:\/\/www.sapcon.cz\/uver-na-bydleni\/","about":["Pen\u00edze"],"wordCount":410,"articleBody":"       Jist\u011b jste se u\u017e setkali s t\u00edm, \u017ee jste pot\u0159ebovali v\u011bt\u0161\u00ed obnos financ\u00ed na rekonstrukci dom\u00e1cnosti nebo vybaven\u00ed. V n\u011bkter\u00fdch p\u0159\u00edpadech si vybavujeme byt a\u017e po svatb\u011b, jindy je\u0161t\u011b p\u0159ed svatbou. V dne\u0161n\u00ed dob\u011b je zcela b\u011b\u017en\u00e9, \u017ee spolu lid\u00e9 nejprve \u017eij\u00ed a a\u017e pozd\u011bji \u0159e\u0161\u00ed jin\u00e9 v\u011bci. Proto pot\u0159ebuj\u00ed pen\u00edze hned od sam\u00e9ho po\u010d\u00e1tku. Kde vz\u00edt ale tak velkou \u010d\u00e1stku nap\u0159\u00edklad na stavbu domu? Nebo na rekonstrukci dom\u00e1cnosti \u010di vybaven\u00ed bytu? K tomu pot\u0159ebujete spoustu financ\u00ed, a pokud p\u016fjdete do banky, jist\u011b v\u00e1m nab\u00eddnou \u00fa\u010delovou p\u016fj\u010dku na bydlen\u00ed. \u010cili mus\u00edte pen\u00edze vlo\u017eit pouze do bydlen\u00ed. \u010casto v takov\u00e9m p\u0159\u00edpad\u011b m\u00e1te sice v\u00fdhodn\u00fd \u00farok, ale mus\u00edte dolo\u017eit v\u0161echny \u00fa\u010dtenky a doklady. To je z praktick\u00e9ho hlediska nep\u0159\u00edjemn\u00e9 a v\u011bt\u0161inou nechceme volit takto slo\u017eitou p\u016fj\u010dku. Proto m\u016f\u017eete zvolit nebankovn\u00ed hypot\u00e9ku, u kter\u00e9 nemus\u00edte \u017e\u00e1dn\u00e9 doklady prokazovat, nemus\u00edte dokl\u00e1dat ani \u00fa\u010dtenky a pen\u00edze m\u016f\u017eete vyu\u017e\u00edt jak\u00fdmkoliv zp\u016fsobem \u010dili na cokoliv, co pot\u0159ebujete. Tento typ \u00fav\u011bru se naz\u00fdv\u00e1 nebankovn\u00ed hypot\u00e9ka https:\/\/www.hypotekybezregistru.cz\/. Spot\u0159ebitelsk\u00fd \u00fav\u011br:   Pro v\u0161echny klienty.   \u00darokov\u00e1 sazba ji\u017e od 4 % p.a. pro klienty bez z\u00e1znamu nebo pouze s drobnost\u00ed. Pro klienty s v\u011bt\u0161\u00edmi z\u00e1znamy m\u00e1me p\u0159ipravenou velice v\u00fdhodnou sazbu od 7 % p.a.  Splatnost a\u017e 30 let.  Z\u00edskat m\u016f\u017eete a\u017e 70 % z odhadu.   Ru\u010den\u00ed jakoukoliv nemovitost\u00ed \u2013 d\u016fm, byt, pozemek, dru\u017estevn\u00ed byt, chata, gar\u00e1\u017e. \u00dav\u011br pro podnikatele Dal\u0161\u00ed z mo\u017enost\u00ed, jak z\u00edskat pen\u00edze, je \u00fav\u011br pro podnikatele. Ten si ale mohou sjedn\u00e1vat pouze firmy nebo podnikatel\u00e9. Mus\u00edte prok\u00e1zat, \u017ee podnik\u00e1n\u00ed provozujete. Nesm\u00ed se jednat o zanikl\u00e9 podnik\u00e1n\u00ed. V tomto p\u0159\u00edpad\u011b nevad\u00ed ani exekuce ani z\u00e1znamy. V\u0161e se d\u00e1 tolerovat. Poskytneme velice v\u00fdhodn\u00e9 podm\u00ednky, a\u017e 30 let splatnosti a 70 % z hodnoty nemovitosti. \u00darokov\u00e1 sazba se pohybuje v r\u016fzn\u00e9m rozmez\u00ed. Pokud m\u00e1te z\u00e1znamy hor\u0161\u00edch p\u0159\u00edpad\u016f, pak m\u016f\u017eete z\u00edskat \u00farokovou sazbu od 7 % p.a. V p\u0159\u00edpad\u011b, \u017ee byste byli bez z\u00e1znamu nebo byl proh\u0159e\u0161ek pouze mal\u00fd, pak m\u016f\u017eete z\u00edskat \u00farok ji\u017e od 4 % p.a.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00dav\u011br na bydlen\u00ed","item":"https:\/\/www.sapcon.cz\/uver-na-bydleni\/#breadcrumbitem"}]}]